Sample Letters

The following samples drafted by ACA are generally deemed compliant with federal law. Please be advised that the samples do not address state law issues. ACA does not review individual agency notices and cannot offer advice as to whether or not proposed language for collection letters complies with state or federal law.

Sample Dispute Response LettersThe eleven samples in this document provide a starting point for collectors to tailor their responses to consumers’ disputes.

Sample Paid-In-Full NoticeConsumers may request a paid-in-full letter once an obligation has been fulfilled. Some states may require a letter or receipt be sent to a consumer once a debt has been paid in full.

Sample Represented Check (RCK) Notice to ConsumersUsed when a physical check is presented and returned due to insufficient funds (NSF). A merchant or collection agency must provide notice to the consumer that they are going to represent the check before the check is received.

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